A health maintenance organization (HMO) member receives all preventive and routine medical care from the:

A. Primary care physician

B. Medical director

C. Routine care physician

D. Provider association

An insurer operating in the U.S. but headquartered outside the U.S. is:

A. A foreign insurer

B. An alien insurer

C. A captive insurer

D. A reciprocal insurance exchange

The preventive medical care benefit sometimes provided in a Medicare supplement policy covers:

A. Home health care

B. Skilled nursing care

C. Hospitalization

D. Annual physical exams

When a Medicare Supplement policy is purchased during the open enrollment period:

A. The premium cost may be higher than usual

B. The benefits may be lower than usual

C. The exclusions may be more numerous than usual

D. The policy must be issued regardless of health status

An individual purchased an annuity with a series of premium payments continuing over a period of twenty years. The purchase payments were made during the:

A. Liquidation period

B. Annuity period

C. Period certain

D. Accumulation period

When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

A. Disability income

B. Major medical

C. Dental

D. Health maintenance organization

An individual currently owns a long-term care policy. At the time of application for similar coverage, which item must be signed by the applicant and retained by the insurer?

A. A cancellation notice

B. A substitution notice

C. A replacement notice

D. A duplication notice

False advertising regarding insurance policies would be found in all of the following EXCEPT:

A. Past dividends paid on a policy being exaggerated

B. Benefits under a policy being misrepresented

C. An insurance policy being represented as a share of stock

D. Policy benefits being compared with a competitor’s

The entire contract clause in a life insurance policy states that the complete contract between the insurer and the policyowner usually consists of the policy and the:

A. Conditional premium receipt

B. Attached application

C. Waiver of premium rider

D. Declaration page

When there is a misstatement of age by an applicant for a disability income policy:

A. Any amount payable will be the amount of coverage the premium would have purchased at the insured’s correct age.

B. The insurer is not liable for any claims made during the period before correction of the insured’s age.

C. The company will cancel the policy immediately upon discovery of the misstatement of age.

D. The policy will be void from its inception because of the insured’s misrepresentation.

What are long-term care insurance "ADL's"?

A. Aggregate dollar limits

B. Aggregate days limitation

C. Activities of daily living

D. Approved doctor lists

The prevention and correction of dental and oral irregularities through the use of mechanical corrective devices is called:

A. Orthodontics

B. Endodontics

C. Periodontics

D. Prosthodontics